The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$15,074
−HK$945/mo
▼ 0.25% · 3.875%
HK$15,543
−HK$476/mo
Today · 4.125%
HK$16,019
baseline
▲ 0.50% · 4.625%
HK$16,994
+HK$975/mo
Deposit HK$3.31M · loan HK$3.31M · min. income ≈ HK$32,038/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$196,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,770
−HK$906/mo
▼ 0.25% · 3.875%
HK$17,219
−HK$457/mo
Today · 4.125%
HK$17,676
baseline
▲ 0.50% · 4.625%
HK$18,607
+HK$931/mo
Deposit HK$3.31M · loan HK$3.31M · min. income ≈ HK$35,352/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$196,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,089
−HK$1,134/mo
▼ 0.25% · 3.875%
HK$18,651
−HK$572/mo
Today · 4.125%
HK$19,223
baseline
▲ 0.50% · 4.625%
HK$20,393
+HK$1,170/mo
Deposit HK$2.64M · loan HK$3.97M · min. income ≈ HK$38,446/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$196,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,124
−HK$1,087/mo
▼ 0.25% · 3.875%
HK$20,663
−HK$548/mo
Today · 4.125%
HK$21,211
baseline
▲ 0.50% · 4.625%
HK$22,329
+HK$1,118/mo
Deposit HK$2.64M · loan HK$3.97M · min. income ≈ HK$42,422/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$196,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,104
−HK$1,323/mo
▼ 0.25% · 3.875%
HK$21,760
−HK$667/mo
Today · 4.125%
HK$22,427
baseline
▲ 0.50% · 4.625%
HK$23,792
+HK$1,365/mo
Deposit HK$1.98M · loan HK$4.63M · min. income ≈ HK$44,854/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$196,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,477
−HK$1,269/mo
▼ 0.25% · 3.875%
HK$24,107
−HK$639/mo
Today · 4.125%
HK$24,746
baseline
▲ 0.50% · 4.625%
HK$26,050
+HK$1,304/mo
Deposit HK$1.98M · loan HK$4.63M · min. income ≈ HK$49,492/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$196,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,133
−HK$1,702/mo
▼ 0.25% · 3.875%
HK$27,977
−HK$858/mo
Today · 4.125%
HK$28,835
baseline
▲ 0.50% · 4.625%
HK$30,589
+HK$1,754/mo
Deposit HK$661K · loan HK$5.95M · min. income ≈ HK$57,670/mo (50% DSR)
Upfront cash ≈ HK$857K (deposit + AVD stamp duty HK$196,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,185
−HK$1,631/mo
▼ 0.25% · 3.875%
HK$30,995
−HK$821/mo
Today · 4.125%
HK$31,816
baseline
▲ 0.50% · 4.625%
HK$33,493
+HK$1,677/mo
Deposit HK$661K · loan HK$5.95M · min. income ≈ HK$63,632/mo (50% DSR)
Upfront cash ≈ HK$857K (deposit + AVD stamp duty HK$196,065 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).